Tag: Card

The Best Kept Secret of the Canadian Airports!!

Seats in the Maple Leaf Lounge

Seats in the Maple Leaf Lounge

We’ve all been there, the three-hour stop over or worse, the unexpected delay. Whatever the reason, so many people just don’t know what to do in times like this. They end up walking from one area to another and then, they decide to grab a bite and a drink. We all know that without blinking an eye, thirty to fifty dollars can disappear just like that.

I know a lot of people know about lounges, but they have never been in one or have on that rare occasion when they flew business class. Many people think  the only way to get into an Air Canada Maple Leaf  Lounge is either by flying as part of your job and you gain Elite Status, or by having all-powerful business class ticket.

Entrance to the Maple Leaf Lounge

Entrance to the Maple Leaf Lounge

Now granted, that used to be true. But now there are many ways to gain access to either the Airline Lounge or the multitude of third-party lounges like Priority Pass.  I think it because of these new lounges that Air Canada with their Maple Leaf  Lounges relaxed  the ways that you too can enjoy these day saving experiences.

In North America, there are 18 locations where you can relax in an Air Canada Maple Leaf lounge. Since most flights connect at major centers across Canada, the odds are very good there will be on in your next connecting flight.  If you now have the right Credit Card, you can get free access. If you’re traveling on Flex (One up from the bottom in fare tiers) you can now buy a one time pass for either $25 or $50. Is this worth it? Well if your flight is delayed, and you are going to have something to eat and drink, it sure is!

But , if your flight  has a known stopover there is even a better way. All you have to do is join AeroPlan and collect 7,000 points per person, and you can buy a pass no matter what class ticket you are flying in.  So, the question is; Is it worth it?

Bar at the Maple Leaf Lounge

Bar at the Maple Leaf Lounge

Remember I mentioned the stop over and buying some food and a drink? Well in the lounges, they always have a choice of really good soups and a salad bar that is second to none. and a lunch and dinner there are usually several hot dishes in trays. I have never walked away hungry and it is all complimentary.  Not only that the drinks, including coffee, tea, espresso etc and all beer, wine and top shelf spirits are also complimentary.

So, value wise, the price is already covered with what you would have spent outside the lounges in the busy airports. Now picture free Wi-Fi, Cell-Free quiet locations so you can truly relax. Full business centers that are top-notch. The list goes on to Great service, all the latest in Magazines and Newspapers and all the seats are spaced out and comfortable.

Shower in the Maple Leaf Lounge

Shower in the Maple Leaf Lounge

There are also some hidden features that are not really advertised and there are things you can do to make the next connection even better. I have seen more than one lounge that have private shower areas so, if you need to freshen up on a long trip, you can. The drinks and food are help yourself. It is nice that you are already past security so no problem getting some snacks and juice for the plane. This way, you are not at the whim of the busy staff in the air.

If you are traveling with children, many locations have a TV room that is separate from the rest that have kid’s shows on. Not only is this a nice touch it keeps the kids quiet and away from the other passengers that are trying to read or catch up on their emails in a quiet atmosphere.

Food in the Air Canada Maple Leaf Lounge

Food in the Air Canada Maple Leaf Lounge

Can you tell I really like these lounges? You won’t find these to the south of the border under the star alliance carriers. Yes, they have lounges, but most things inside you have to pay for. So, you tend to get a bunch of business travelers hovering at the bar where you pay and are expected to tip if you want a second drink. No, Air Canada does it best. Help yourself to food, snacks and enjoy. Find that perfect seat and unwind while you wait for that connecting flight. If you want your next trip to include the travel days as a good day, take in a lounge. hosted by Air Canada. One more way I can say I am proud to be a Canadian.

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Canadian Travel Cards, The Good, The Bad and Everything Else


Canadian travel Card
Canadian travel Card

 There have been a lot of changes in the Travel Card Industry, and if you like to collect points, you really have to keep on top of which is the best, for the next two years or more.

Now, we need to cover a few basic things before we get into this. First there are three main types of points to collect in Canada.

  1.  AeroPlan by Air Canada. Yes there are other airlines, but none that are National and apply to all Canadians flying.
  2. AirMiles is a private point collector that has successfully crossed the product line barrier and has been accepted by many store brands as well as Credit Card Companies.
  3. Credit Card Companies. These cards need to be broken down into sections.
    Canadian travel Card

    Canadian travel Card

    1. Traditional cards where they add to your AeroPlan or AirMiles points and

    2. The newer style cards that have their own travel point systems.

 One important point here when we get into the Credit Card systems. I do not endorse or recommend that anyone get a credit card that cannot say they would never, ever carry a balance. The whole point of saving money on travel gets destroyed if you do not pay the entire balance off each and every month and end up paying interest charges. You have been warned and I say this because the newer bank driven travel plans are, simply put, great.

I can remember when, AeroPlan was really the only card and way to get travel miles. Yep, I go that far back. But, over the years, things have changed a lot. Do I still have an AeroPlan account and do I use it? Yes, but no longer for my “basic” travel.

To choose the best card for you depends on 2 things.


  1. The travel points and how much you have to spend to get free travel and
  2. What are the soft costs that still have to be paid to get that travel?

 This second item is a really big point with the newer bank reward systems. With plans like AeroPlan and AirMiles, after you save for a long time to get your points, you still have to pay the taxes and fees. In many cases this can be over $200 per person travelling. A family of four spending $800 in travel frees is not exactly a free plane ticket.

To combat this, Banks started offering their own reward system that could not only be used for air travel, but any kind of travel including Hotels and All inclusive travel packages. This was good, in that, it offered a product outside of the plane travel, but it used to take far more points per dollar value then AeroPlan did.


Canadian travel Card
Canadian travel Card

 Are you confused yet? The 1990’s was a confusing time for travel points. The good news is that Banks have caught on to this need, more and more banks offered their own reward systems and it is getting more and more competitive. This means better and simpler choices for you, the consumer.

There are programs that offer great point value on economy flights and the same points for separate great value on vacation packages. In fact, I have just used up my AirMiles travel points and have basically stopped collecting them through Credit Cards. Yes, I will still use my AirMiles card when merchants offer this. I would be silly not too. But, not for collecting via Credit Cards. The New generation of point systems are just too good. For example, my local grocery chain offers 95 AirMile points when I buy a $200 Gift card. So, we tend to spend a little over $400 a month and by getting two gift cards, I gain and extra 190 AirMile points plus the $400 in points on that Credit Card.

AeroPlan is getting to be the same with one MAJOR exception. For flights 3 hours or less, I don’t mind Economy, but, when I travel for longer time periods I want to be in business class. AeroPlan is the best and really only choice if you want to travel Business or Executive Class on a reasonable number of points. I have never seen a card that has polarized itself quite so badly as this one. I find for any reasonable short-term reservations, booking my travel in less than a month in advance, I really have a hard time getting classic seats in economy and my newer card offer better value in any case. However, the point system leaves everyone else in the dust on Business class seats.

If we speak of AeroPlan Classic Rewards, one long haul ticket is 25,000 points. One business class is 40,000 points. Yes, these levels are changing in 2014, but I see for the small point person, it gets worse, not better. So, 15,000 points to upgrade to Business class. So a 60% increase in points.

Now, all the newer cards are based on the real cost of the tickets. So I looked up the cost from my airport (East Coast)to Vancouver (West Coast). The best Economy price was about $1,500 and the corresponding Business Class (Executive Class Lowest) was $3,500. An increase of $2,000 or a whopping 130% increase. So for any point system that uses the airline ticket price to figure out the points used, they don’t hold a candle to AeroPlan Business Class points. But again, this is the only exception that I can find.

Another way to look at this is you will need to spend $40,000 in purchases for this ticket in AeroPlan plus say $200 in taxes and fees. On the norm for leading bank cards, you would need to spend about $175,000 to $350,000 in purchases to get the same ticket. Again this really only applies to business class travel. Long story short, AeroPlan is still a good choice for those looking for long haul business class flights.

There are features I like in 3 of the newer plans, but really, it all has to come down to, Which plan will me, for my travel needs, travel sooner.


  1. If you are going to be traveling economy, I would recommend a travel card like the new CIBC Aventura MasterCard since they offer special point pricing on airfare only. Unless you live outside of a major metropolitan area like I do. In this case most tickets are over the allowed maximum price.
  2. I do really like the Scotia Gold American Express Card since it is the only one that allow you to book on any site, I.e. Air Canada or Expedia or directly with a hotel, use this card to pay and then call and have them apply the amount to be paid in points. If you hit a great seat sale, you might cash in with this card. My 2 draw backs are that for most purchases, it is still a dollar spent for 1 point and it is American Express. I still find many places that do not accept this card since they have higher costs to the merchant.
  3. But for “package travel” the all-inclusive that so many of us use, right now the choice would have to be the BMO World Elite MasterCard as they offer 2 points instead of 1 for each dollar spent and for packaged holidays, cars, hotels etc. It is a penny a point on all for redemption for mast cards with the exception to the CIBC airline system, so, about 1/2 the points needed from the Bank of Montreal Travel card.

 I am building with BMO for now, being very specific on target amounts going on the card and as these approach, I will once again check the murky waters to the Travel Card business.

I am hoping that the next big card out there will offer 2 or more points on ALL purchases, be a Visa or MasterCard product and allow me to book with anyone and charge it the points on the card. This last point is really huge and will be the next game changer since it is the one thing that will guarantee us that we are getting the best price possible and using the least amount of points to get it. The last thing it needs to have a point for point transfer without penalty to AeroPlan so if you want to be in Business Class … you can.

Hey, this is a travel article, so I am allowed to dream.

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